ALBARAKA is a microcredit institution, governed by the Dahir of November 1958 and the Law No 18-97 related to the exercise of microcredit activity. Founded in 1996, ALBARAKA has obtained the authorization to provide microcredit services by a Ministerial Decree issued on March 10, 2000.

The primary goals of ALBARAKA are to: 

- Provide microcredits to disadvantaged people to enable them to start or develop their own activity and    thus achieve their economic integration; 

- Provide its customers, with all operations related to microcredit, in particular training, advisory and        technical assistance; 

- Carry out in favor of its customers all financial and para-financial transactions, in particular the distribution of insurance contracts to cover people and damages;

Through these goals, ALBARAKA encourages the creation and the development of income-generating activities, contributes to financial inclusion of low-income populations and supports the promotion of employment.                                    .

Mission and Vision

Our mission falls within the scope of Morocco's microfinance national strategy, and combines between the creation of income-generating activities and the financial and social inclusion, through:

- Financing income-generating activities;

- Providing support and assistance to micro-entrepreneurs;

- Offrering a range of services and products that meets all the needs of target populations.

Our ambition is to become a major, sustainable and efficient player of the microfinance sector in Morocco, offering a diversified and innovative range of services and products, and using new technologies in order to increase the number of beneficiaries and meet all their needs.

ALBARAKA

Francisco Fidel Rojas Lujan

This department is responsible for overseeing and managing client portfolios to optimize investment strategies and performance.

Portfolio Management

This department oversees the operations and performance of various agency branches.

Agency Management

This department manages the processes related to the collection of overdue payments and the resolution of disputes.

Credit Recovery

This department assesses and analyzes financial risks to help inform decision-making and strategy.

Risk Analysis

This department manages all financial transactions and cash operations.

Cash Handling

This department focuses on managing client relationships and ensuring customer satisfaction.

ALBARAKA

Org chart

Teams

Portfolio Management

Agency Management

Credit Recovery

Risk Analysis

Cash Handling

Client Relations

Offices

ALBARAKA

Org chart

Teams

Portfolio Management

Agency Management

Credit Recovery

Risk Analysis

Cash Handling

Client Relations

Offices

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